FY 2000 SINGLE FAMILY MORTGAGE SERVICING LOSS MITIGATION PERFORMANCE ANALYSIS High, Medium-High, Medium-Low, and Low Volume Servicers

Prepared January 2001

S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S FY 1999 Actual Loss/ Svcr Servicer Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased ID * Name Scored Rate Score Score Total Score Homeowner Homeowner Area SCORE Incentives

High Volume MUL1 OF AMERICA 240,318 0.059 -0.727 -0.530 0 -0.025 0 -0.555 Yes MUL6 656,303 -0.005 -0.503 -0.379 0 -0.025 -0.025 -0.429 Yes MUL5 HOMESIDE LENDING 439,502 -0.136 -0.384 -0.322 0 -0.025 -0.025 -0.372 No 75640 PRINCIPAL RESIDENTIAL MORTGAGE 191,398 -0.122 -0.361 -0.301 0 0 0 -0.301 No 77396 FIRST NATIONWIDE MORTGAGE COR 211,449 -0.125 -0.227 -0.201 -0.025 -0.05 -0.025 -0.301 No 64141 COUNTRYWIDE HOME LOANS INC 491,029 -0.075 -0.243 -0.201 0 -0.05 -0.025 -0.276 No 39276 MIDLAND MORTGAGE CO 266,458 0.521 -0.286 -0.085 0 -0.05 -0.05 -0.185 No 73815 BANK UNITED 117,179 0.039 -0.120 -0.080 0 -0.025 -0.025 -0.130 No 68013 ATLANTIC MORTGAGE AND INVESTM 155,832 -0.032 -0.104 -0.086 0 0 -0.025 -0.111 No MUL3 FLEET MORTGAGE 319,862 -0.258 0.137 0.038 0 -0.025 -0.025 -0.012 No MUL2 CHASE MORTGAGE 597,276 -0.018 0.096 0.068 0 -0.05 -0.025 -0.007 No 38092 NATIONAL CITY MORTGAGE CO 105,256 -0.236 0.142 0.048 0 -0.025 -0.025 -0.002 No MUL4 GMAC MORTGAGE 136,099 -0.057 0.211 0.144 0 -0.025 -0.025 0.094 No 12621 PNC MORTGAGE CORP OF AMERICA 102,937 0.082 0.222 0.187 0 -0.025 -0.025 0.137 No 10757 AURORA SERVICES INC 118,585 0.971 0.000 0.243 0 -0.05 -0.05 0.143 No MUL7 CITIMORTGAGE INC 159,244 -0.235 1.577 1.124 0 -0.05 -0.05 1.024 No

Subtotal 4,308,727 loans scored for 16 servicers

Medium High Volume 54521 VIRGINIA HOUSING DEV AUT 13,782 -0.387 -1.074 -0.902 -0.05 -0.025 -0.025 -1.002 Yes 35029 BRANCH BANKING AND TRUST CO 10,055 -0.338 -1.098 -0.908 0 -0.025 0 -0.933 Yes 75864 M AND T MORTGAGE CORPORATION 15,549 -0.251 -0.816 -0.674 0 -0.025 -0.05 -0.749 Yes

Page 1 S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S FY 1999 Actual Loss/ Svcr Servicer Loans Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased ID * Name Scored Rate Score Score Total Score Homeowner Homeowner Area SCORE Incentives

30023 GE CAPITAL MORTGAGE SER INC 77,529 -0.170 -0.860 -0.688 0 -0.025 -0.025 -0.738 Yes 24654 GERSHMAN CORP 13,903 -0.397 -0.713 -0.634 0 -0.025 -0.025 -0.684 Yes 17158 STANDARD MORTGAGE CORPORATIO 12,043 -0.468 -0.585 -0.556 -0.025 -0.05 -0.05 -0.681 Yes 54179 SUNTRUST MORTGAGE INC 26,288 -0.163 -0.727 -0.586 0 -0.025 0 -0.611 Yes 34471 CHARTER ONE MORTGAGE CORP 14,563 0.388 -0.831 -0.526 -0.025 -0.025 -0.025 -0.601 Yes 38142 LEADER MORTGAGE COMPANY 65,380 -0.087 -0.634 -0.497 -0.05 -0.025 -0.025 -0.597 Yes 71160 CHARTER BANK 10,902 -0.236 -0.495 -0.430 -0.05 -0.05 -0.05 -0.580 Yes 23155 TRUSTMARK 14,974 0.001 -0.641 -0.481 -0.025 -0.025 0 -0.531 Yes 15565 FIRST HORIZON HOME LOAN CORPO 88,211 0.099 -0.555 -0.392 -0.025 -0.025 -0.025 -0.467 Yes 13779 IRWIN MORTGAGE CORPORATION 71,173 -0.293 -0.419 -0.387 -0.025 -0.025 -0.025 -0.462 No 51272 COLONIAL SAVINGS FA 24,452 -0.330 -0.454 -0.423 0 0 0 -0.423 No 49001 UNION PLANTERS BANK NA 77,688 0.675 -0.693 -0.351 0 -0.05 0 -0.401 No 13621 WATERFIELD MORTGAGE CO INC 47,245 -0.226 -0.459 -0.400 0 0 0 -0.400 No 79854 BANK OF OKLAHOMA NA 17,018 -0.417 -0.372 -0.383 0 0 0 -0.383 No 35214 MORTGAGE CORP 22,913 1.090 -0.719 -0.267 0 -0.025 -0.025 -0.317 No 24361 CHARLES F CURRY CO 22,207 -0.080 -0.328 -0.266 0 0 -0.025 -0.291 No 19234 COLUMBIA NATIONAL INCORPORATE 27,842 -0.096 -0.212 -0.183 -0.025 -0.025 -0.025 -0.258 No 42581 PENNSYLVANIA HOUSING FIN AGCY 16,261 -0.081 -0.170 -0.148 -0.05 0 -0.05 -0.248 No 75834 TEMPLE-INLAND MORTGAGE CORPO 42,127 -0.285 -0.167 -0.197 0 -0.025 -0.025 -0.247 No 16001 FIRSTAR BANK NA 62,729 0.571 -0.267 -0.057 -0.025 -0.05 -0.025 -0.157 No 08411 ALLIANCE MORTGAGE CO 41,086 -0.161 -0.014 -0.051 -0.025 -0.025 -0.05 -0.151 No 10101 IDAHO HOUSING AND FINANCE ASSN 12,830 -0.425 0.055 -0.065 -0.05 0 0 -0.115 No 01172 REGIONS MORTGAGE INC 60,482 0.178 -0.109 -0.037 0 -0.025 0 -0.062 No 70714 NATIONWIDE HOME MORTGAGE COM 20,196 -0.270 0.050 -0.030 -0.025 0 0 -0.055 No 26426 COMMERCIAL FEDERAL MORTGAGE 52,111 0.002 -0.027 -0.020 -0.025 0 0 -0.045 No 24671 JAMES B NUTTER AND COMPANY 28,548 -0.468 0.097 -0.044 0 0 0 -0.044 No 30084 CENLAR FEDERAL 47,900 0.052 0.136 0.115 0 -0.05 -0.025 0.040 No 52070 CROSSLAND MORTGAGE CORPORATI 27,913 -0.100 0.128 0.071 0 0 -0.025 0.046 No 30275 CENDANT MORTGAGE CORPORATION 43,653 -0.028 0.159 0.113 -0.025 0 0 0.088 No 75326 NORTH AMERICAN MORTGAGE COMP 80,162 -0.422 0.431 0.217 -0.025 -0.05 -0.025 0.117 No 39318 MORTGAGE CLEARING CORPORATIO 11,673 -0.373 0.405 0.210 -0.025 -0.025 -0.025 0.135 No

Page 2 S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S FY 1999 Actual Loss/ Svcr Servicer Loans Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased ID * Name Scored Rate Score Score Total Score Homeowner Homeowner Area SCORE Incentives

63001 BANCO POPULAR DE PUERTO RICO 50,059 0.547 0.193 0.281 0 -0.05 -0.05 0.181 No 76548 OLD KENT MORTGAGE COMPANY 36,961 0.144 0.425 0.355 0 -0.05 -0.025 0.280 No 12941 ABN AMRO MORTGAGE GROUP INC 11,923 0.735 0.250 0.371 -0.025 -0.025 -0.025 0.296 No 63100 DORAL FINANCIAL CORPORATION 41,361 0.181 0.840 0.675 0 -0.05 -0.05 0.575 No 13797 MATRIX CORP 11,439 2.993 0.334 0.999 0 -0.025 -0.025 0.949 No 63093 R&G MORTGAGE CORP 52,162 -0.074 1.505 1.110 0 -0.05 -0.05 1.010 No

Subtotal 1,425,293 loans scored for 40 servicers

Medium Low Volume 24130 NORTH AMERICAN SAVINGS BANK 1,025 -0.499 -1.706 -1.405 -0.025 0 0 -1.430 Yes 47108 FIRST CITIZENS BANK AND TR CO 4,166 -0.486 -1.418 -1.185 -0.05 -0.025 -0.05 -1.310 Yes 55582 HOMESTREET BANK 8,684 -0.408 -1.354 -1.117 -0.025 0 -0.05 -1.192 Yes 25095 WESTERN BANK 2,425 -0.467 -1.390 -1.159 -0.025 0 0 -1.184 Yes 64439 CAPITAL PACIFIC MTGE CO 1,047 -0.360 -1.160 -0.960 0 -0.025 -0.05 -1.035 Yes 63152 SANTANDER MORTGAGE CORP 2,475 -0.365 -1.084 -0.904 0 -0.05 -0.05 -1.004 Yes 06230 MCCUE MORTGAGE COMPANY 5,836 0.525 -1.363 -0.891 -0.05 0 -0.025 -0.966 Yes 09558 SUNSHINE MORTGAGE CORP 1,517 -0.399 -1.086 -0.914 0 -0.025 -0.025 -0.964 Yes 24894 FIRST BANK 2,280 -0.470 -1.095 -0.939 0 0 0 -0.939 Yes 13461 CALUMET SECURITIES CORPORATIO 1,861 -0.460 -0.993 -0.860 -0.05 0 0 -0.910 Yes 56243 WEST VIRGINIA HOUSING DEV FUND 4,326 -0.419 -0.989 -0.847 -0.05 0 0 -0.897 Yes 51835 ROCKY MOUNTAIN MORTGAGE CO 3,719 -0.483 -0.851 -0.759 -0.025 -0.05 -0.05 -0.884 Yes 51027 MERITECH MORTGAGE SERVICES IN 1,396 -0.451 -0.864 -0.761 0 -0.025 -0.05 -0.836 Yes 24821 DELMAR FINANCIAL COMPANY 6,903 -0.213 -0.913 -0.738 0 -0.05 -0.025 -0.813 Yes 64325 CALIFORNIA HOUSING FINANCE 3,338 -0.222 -0.799 -0.655 -0.05 -0.05 -0.05 -0.805 Yes 01422 NEW SOUTH FEDERAL SAVINGS BAN 6,000 0.478 -1.122 -0.722 -0.025 -0.025 -0.025 -0.797 Yes 06060 WEBSTER BANK 6,516 -0.372 -0.871 -0.746 -0.05 0 0 -0.796 Yes 15468 FIDELITY BANK 4,018 -0.434 -0.843 -0.741 0 0 0 -0.741 Yes 70402 SECURITY MORTGAGE CORPORATIO 2,513 -0.473 -0.756 -0.685 -0.05 0 0 -0.735 Yes 64102 MISSION HILLS MORTGAGE CORP 4,144 -0.413 -0.685 -0.617 0 -0.05 -0.05 -0.717 Yes 01113 SOUTHTRUST MORTGAGE CORP 9,229 -0.331 -0.755 -0.649 -0.025 -0.025 0 -0.699 Yes 39325 MERCURY MORTGAGE CO INC 4,920 -0.344 -0.810 -0.693 0 0 0 -0.693 Yes

Page 3 S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S FY 1999 Actual Loss/ Svcr Servicer Loans Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased ID * Name Scored Rate Score Score Total Score Homeowner Homeowner Area SCORE Incentives

35361 MARSH ASSOCIATES INC 3,705 -0.414 -0.578 -0.537 -0.05 -0.025 -0.025 -0.637 Yes 51028 TURNER-YOUNG INVESTMENT CO 1,456 -0.461 -0.672 -0.619 0 0 0 -0.619 No 47230 SOUTH CAROLINA STATE HSG FDA 4,551 0.055 -0.668 -0.487 -0.05 -0.05 -0.025 -0.612 No 17003 HIBERNIA NATIONAL BANK 7,826 -0.463 -0.557 -0.534 -0.025 -0.025 0 -0.584 No 36242 NORTH DAKOTA HOUSING FIN AGENC 4,897 -0.272 -0.594 -0.513 -0.05 0 0 -0.563 No 57848 M AND I MORTGAGE CORP 4,613 -0.403 -0.597 -0.549 0 0 0 -0.549 No 13745 TRUSTCORP MORTGAGE COMPANY 9,417 -0.423 -0.549 -0.518 -0.025 0 0 -0.543 No 19472 BOGMAN INC 1,734 -0.025 -0.604 -0.459 -0.05 -0.025 0 -0.534 No 21645 GUARDIAN MORTGAGE COMPANY IN 3,151 -0.474 -0.551 -0.532 0 0 0 -0.532 No 24075 MERCANTILE BANK NA 3,453 -0.227 -0.600 -0.506 0 0 0 -0.506 No 12578 CROWN MORTGAGE COMPANY 5,245 -0.450 -0.461 -0.458 0 -0.025 0 -0.483 No 64308 FIRST MORTGAGE CORPORATION 9,878 -0.458 -0.350 -0.377 0 -0.05 -0.05 -0.477 No 48170 HOME FEDERAL SAVINGS BANK 4,818 -0.489 -0.404 -0.425 -0.05 0 0 -0.475 No 19408 CHEVY CHASE SAVINGS BANK FSB 1,960 -0.480 -0.339 -0.374 -0.025 -0.05 -0.025 -0.474 No 76038 MARKET STREET MORTGAGE CORPO 9,324 0.134 -0.588 -0.408 0 -0.025 -0.025 -0.458 No 58002 FIRST INTERSTATE BANK WY 4,587 -0.409 -0.431 -0.425 -0.025 0 0 -0.450 No 77678 DRAPER AND KRAMER MORTGAGE 1,346 -0.380 -0.413 -0.405 -0.025 0 0 -0.430 No 09497 GEORGIA HOUSING-FINANCE AUTHO 4,801 0.065 -0.392 -0.278 -0.05 -0.05 -0.05 -0.428 No 01366 MORTGAGEAMERICA INC 2,381 -0.413 -0.422 -0.420 0 0 0 -0.420 No 59006 NATIONAL BANK OF 8,539 -0.471 -0.221 -0.283 -0.025 0 0 -0.308 No 08282 MCCAUGHAN MORTGAGE CO INC 1,336 -0.465 -0.227 -0.286 0 0 0 -0.286 No 74525 TRANSWORLD MORTGAGE CORP 7,117 -0.287 -0.162 -0.193 0 -0.025 -0.05 -0.268 No 61006 BANK OF HAWAII 1,300 -0.454 -0.004 -0.116 -0.025 -0.05 -0.05 -0.241 No 23009 BANCORPSOUTH BANK 5,947 -0.337 -0.131 -0.182 -0.025 -0.025 0 -0.232 No 21780 BENCHMARK MORTGAGE CORPORAT 2,182 -0.387 -0.078 -0.156 0 0 -0.025 -0.181 No 55220 SEATTLE MORTGAGE COMPANY 1,996 -0.495 -0.037 -0.152 0 0 -0.025 -0.177 No 77487 REPUBLIC BANK 2,264 0.815 -0.468 -0.147 0 -0.025 0 -0.172 No 35127 PFEFFERKORN CO 5,200 -0.442 0.037 -0.083 -0.05 -0.025 0 -0.158 No 33201 CITIBANK NA 2,556 1.194 -0.444 -0.035 0 -0.05 -0.05 -0.135 No 55017 WASHINGTON MUTUAL BANK 1,831 -0.032 -0.093 -0.078 -0.025 0 -0.025 -0.128 No 46049 RHODE ISLAND HSG MTGE FIN CORP 2,932 -0.431 0.113 -0.023 -0.05 0 -0.025 -0.098 No

Page 4 S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S FY 1999 Actual Loss/ Svcr Servicer Loans Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased ID * Name Scored Rate Score Score Total Score Homeowner Homeowner Area SCORE Incentives

38358 SECURITY SAVINGS MORTGAGE COR 1,055 -0.434 0.117 -0.021 -0.05 0 -0.025 -0.096 No 21490 UNIVERSAL AMERICAN MORTGAGE C 5,898 -0.314 0.058 -0.035 0 -0.05 0 -0.085 No 32053 PIONEER SAVINGS BANK 3,272 -0.476 0.100 -0.044 0 -0.025 0 -0.069 No 49222 CURTIS MORTGAGE COMPANY INC. 4,793 -0.457 0.097 -0.041 0 0 0 -0.041 No 25122 STREETER BROTHERS MTG CORP 1,271 -0.393 0.158 0.020 -0.025 0 0 -0.005 No 01315 COLONIAL BANK 2,919 -0.410 0.200 0.047 0 -0.025 0 0.022 No 51370 MITCHELL MORTGAGE COMPANY LLC 2,879 -0.372 0.165 0.031 0 0 0 0.031 No 76062 RBMG INC 2,106 -0.422 0.285 0.109 -0.025 -0.025 -0.025 0.034 No 04718 MORTGAGE COMPANY 9,259 -0.169 0.281 0.169 -0.025 -0.05 -0.05 0.044 No 16396 KENTUCKY HOUSING CORPORATION 8,104 -0.441 0.317 0.128 -0.05 0 0 0.078 No 36069 BANK OF NORTH DAKOTA 2,377 -0.489 0.286 0.092 0 0 0 0.092 No 58109 WYOMING COMMUNITY DEV AUTH 4,756 -0.052 0.240 0.167 -0.05 0 0 0.117 No 72080 AMERIHOME MORTGAGE CORPORATI 1,583 -0.356 0.386 0.200 0 -0.025 -0.05 0.125 No 71274 FLAGSTAR BANK FSB 2,246 -0.061 0.356 0.252 -0.025 0 -0.05 0.177 No 71247 HUNTINGTON MORTGAGE COMPANY 1,267 -0.320 0.397 0.218 -0.025 0 0 0.193 No 05366 COLORADO HOUSING FINANCE AUTH 7,442 0.034 0.495 0.379 -0.05 -0.05 -0.05 0.229 No 21658 UNIVERSAL MORTGAGE CORP 1,733 0.540 0.242 0.316 -0.025 0 -0.05 0.241 No 21815 STERLING BANK AND TRUST FSB 1,614 1.529 -0.061 0.336 0 -0.025 -0.05 0.261 No 73452 VNB MORTGAGE SERVICES INC 1,156 -0.330 0.563 0.340 -0.025 -0.025 -0.025 0.265 No 30323 AURORA FINANCIAL GROUP INC 1,349 -0.382 0.659 0.399 -0.05 -0.025 -0.025 0.299 No 52167 UTAH HOUSING FINANCE AGENCY 6,813 -0.281 0.567 0.355 -0.05 0 0 0.305 No 11303 DOVENMUEHLE MORTGAGE INC 7,619 -0.333 0.669 0.419 -0.05 -0.025 -0.025 0.319 No 35234 CENTURA BANK 4,002 -0.354 0.696 0.434 -0.05 -0.025 -0.025 0.334 No 22963 TCF MORTGAGE CORPORATION 8,578 -0.461 0.648 0.370 0 0 -0.025 0.345 No 73991 MVB MORTGAGE CORPORATION 3,820 0.226 0.615 0.518 -0.025 -0.05 -0.05 0.393 No 70101 ESSEX HOME MORTGAGE SERVG CO 2,045 -0.310 0.799 0.522 0 -0.025 -0.05 0.447 No 03021 SUPERIOR FEDERAL BANK FSB 1,010 -0.435 0.793 0.486 0 0 0 0.486 No 74649 EMC MORTGAGE CORPORATION 1,607 4.849 -0.796 0.616 -0.025 -0.05 -0.05 0.491 No 13499 FIRST TRUST BANK FOR SAVINGS 1,083 1.065 0.590 0.709 -0.05 -0.05 -0.025 0.584 No 21799 TOWNE MORTGAGE AND REALTY CO 3,219 -0.460 1.071 0.688 0 -0.025 -0.05 0.613 No 75273 NVR MORTGAGE FINANCE INC 1,054 -0.468 1.194 0.778 -0.025 -0.05 -0.025 0.678 No

Page 5 S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S FY 1999 Actual Loss/ Svcr Servicer Loans Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased ID * Name Scored Rate Score Score Total Score Homeowner Homeowner Area SCORE Incentives

19298 ALLFIRST BANK 1,507 0.807 0.921 0.892 -0.05 -0.05 -0.05 0.742 No 59034 ALASKA USA FEDERAL 3,590 -0.427 1.269 0.845 0 0 0 0.845 No 24905 TOWN AND COUNTRY MORTGAGE CO 5,687 -0.472 1.614 1.092 -0.05 0 -0.025 1.017 No 36006 GATE CITY FEDERAL SAVINGS BANK 1,959 -0.401 1.669 1.152 -0.05 0 0 1.102 No 15683 FIRST MASSACHUSETTS BANK NA 2,340 -0.368 1.998 1.406 -0.05 0 0 1.356 No 74512 HSBC MORTGAGE CORPORATION 8,049 -0.397 2.739 1.955 0 0 -0.025 1.930 No 72313 LITTON LOAN SERVICING LP 4,519 6.740 1.022 2.451 -0.025 -0.05 -0.05 2.326 No 13103** SOURCE ONE MORTGAGE CORPORA 1,505 1.333 -1.341 -0.672 0 -0.05 -0.05 -0.772 No 57732** UNIVERSAL MORTGAGE CORP-WISC 1,747 -0.257 -0.730 -0.612 -0.025 0 -0.05 -0.687 No 70708** COLORADO SPRINGS SAVINGS ALA 1,167 0.209 0.638 0.531 -0.05 -0.05 -0.05 0.381 No

Subtotal 360,680 loans scored for 94 servicers

Low Volume 74237 HARBOR FEDERAL SAVINGS BANK 163 -0.497 -1.596 -1.321 -0.025 -0.05 -0.025 -1.421 Yes 30282 MORTGAGE ACCESS CORP 163 -0.472 -1.601 -1.319 -0.05 -0.025 0 -1.394 Yes 24038 HEARTLAND BANK 551 -0.497 -1.651 -1.362 -0.025 0 0 -1.387 Yes 52158 FAR WEST BANK 405 -0.497 -1.616 -1.337 -0.025 0 0 -1.362 Yes 60136 INDEPENDENCE FEDERAL BANK 111 -0.491 -1.606 -1.327 0 0 0 -1.327 Yes 17254 AULDS HORNE AND WHITE INV CORP 686 -0.366 -1.616 -1.304 0 0 0 -1.304 Yes 58070 WALLICK AND VOLK INC 143 -0.470 -1.579 -1.302 0 0 0 -1.302 Yes 61007 FIRST HAWAIIAN BANK 413 -0.492 -1.296 -1.095 -0.05 -0.05 -0.05 -1.245 Yes 04586 WMC MORTGAGE CORP 789 -0.498 -1.326 -1.119 0 -0.05 0 -1.169 Yes 03335 PULASKI MORTGAGE CO 329 -0.343 -1.378 -1.119 0 0 0 -1.119 Yes 10640 CENTRAL MORTGAGE COMPANY 80 -0.128 -1.228 -0.953 -0.05 -0.05 -0.05 -1.103 Yes 24850 MISSOURI HOUSING DEV COMM 72 -0.085 -1.433 -1.096 0 0 0 -1.096 Yes 32137 WESTERN COMMERCE BANK 180 -0.495 -1.222 -1.040 0 -0.05 0 -1.090 Yes 03027 CITY NATIONAL BANK FORT SMITH 260 0.608 -1.552 -1.012 0 -0.05 0 -1.062 Yes 22447 AMERICAN FEDERAL BANK 153 -0.453 -1.247 -1.049 0 0 0 -1.049 Yes 25107 STOCKMAN BANK - MONTANA 244 -0.493 -1.163 -0.995 -0.05 0 0 -1.045 Yes 06245 NORTH AMERICAN BANK AND TR CO 106 -0.401 -1.189 -0.992 0 0 0 -0.992 Yes 11085 MID AMERICA BANK FSB 360 -0.255 -1.080 -0.874 -0.025 -0.05 -0.025 -0.974 Yes

Page 6 S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S FY 1999 Actual Loss/ Svcr Servicer Loans Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased ID * Name Scored Rate Score Score Total Score Homeowner Homeowner Area SCORE Incentives

18110 GARDINER SAVINGS INST FSB 262 -0.178 -1.141 -0.900 -0.05 0 0 -0.950 Yes 06153 AMERICAN SAVINGS BANK 732 -0.153 -1.112 -0.872 -0.05 0 -0.025 -0.947 Yes 32135 NEW MEXICO MTG FIN AUTHORITY 698 0.039 -1.123 -0.832 -0.05 -0.05 0 -0.932 Yes 70136 COASTAL BANC SSB 771 -0.473 -0.929 -0.815 0 -0.05 -0.05 -0.915 Yes 36111 BREMER BANK NA 395 -0.229 -1.078 -0.866 -0.025 0 0 -0.891 Yes 24550 PULASKI BANK SB 313 -0.083 -1.040 -0.801 -0.025 -0.025 -0.025 -0.876 Yes 40178 SIUSLAW VALLEY BANK 998 -0.454 -0.837 -0.741 -0.05 0 -0.05 -0.841 Yes 70246 FIRST COMMERCE MORTGAGE CO 52 0.319 -1.223 -0.837 0 0 0 -0.837 Yes 22880 KNUTSON MORTGAGE CORPORATIO 202 -0.454 -0.963 -0.836 0 0 0 -0.836 Yes 77528 UNION PLANTERS PMAC INC 489 -0.279 -0.951 -0.783 0 -0.05 0 -0.833 Yes 15560 GOLD BANC MORTGAGE INC 742 -0.494 -0.849 -0.760 0 0 -0.025 -0.785 Yes 20684 FIRST EASTERN MORTGAGE CORP 723 0.568 -1.027 -0.628 -0.05 0 0 -0.678 No 49522 FIRST TRUST MORTGAGE COMPANY 681 0.695 -1.097 -0.649 0 0 0 -0.649 No 51408 VALLEY MORTGAGE COMPANY INC 964 0.070 -0.683 -0.495 -0.05 -0.05 -0.05 -0.645 No 38398 LIBERTY MORTGAGE CO INC 839 0.210 -0.776 -0.529 0 0 -0.05 -0.579 No 38196 INTERSTATE MORTGAGE COMPANY 244 -0.237 -0.657 -0.552 0 0 0 -0.552 No 34081 NORTH FORK BANK 590 -0.432 -0.463 -0.456 -0.025 0 -0.05 -0.531 No 32133 SUBURBAN MORTGAGE CO OF NM 684 -0.465 -0.404 -0.419 -0.025 -0.05 -0.025 -0.519 No 26003 FIRST NATIONAL BANK 559 -0.298 -0.540 -0.480 0 0 0 -0.480 No 33664 ASTORIA FEDERAL SAVINGS LOAN 691 -0.475 -0.406 -0.423 -0.05 0 0 -0.473 No 72033 HOMESTEAD MORTGAGE COMPANY 473 0.225 -0.538 -0.347 -0.05 0 -0.05 -0.447 No 71206 OLYMPIA MORTGAGE CORPORATION 611 -0.074 -0.381 -0.304 -0.025 -0.05 -0.05 -0.429 No 21571 GENERAL MORTGAGE CORPORATION 390 -0.470 -0.275 -0.324 -0.025 -0.025 -0.05 -0.424 No 24907 EQUALITY MORTGAGE CORPORATIO 423 0.484 -0.651 -0.367 0 0 0 -0.367 No 33142 SAVINGS BANK UTICA 393 -0.457 -0.262 -0.311 -0.025 0 0 -0.336 No 13608 LAKE MORTGAGE COMPANY INC 501 -0.399 -0.026 -0.119 -0.05 -0.05 -0.05 -0.269 No 15625 CORINTHIAN MORTGAGE CORP 486 -0.135 -0.240 -0.214 -0.025 -0.025 0 -0.264 No 18137 UNITEDKINGFIELD BANK 191 -0.075 -0.235 -0.195 -0.05 0 0 -0.245 No 37009 FIFTH THIRD BANK 907 -0.472 -0.010 -0.125 -0.05 0 -0.025 -0.200 No 07046 GILPIN FINANCIAL SERVICES INC 133 -0.414 -0.061 -0.149 -0.05 0 0 -0.199 No 41652 BENEFICIAL MUTUAL SAVINGS BANK 67 -0.402 -0.077 -0.159 0 0 0 -0.159 No

Page 7 S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S FY 1999 Actual Loss/ Svcr Servicer Loans Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased ID * Name Scored Rate Score Score Total Score Homeowner Homeowner Area SCORE Incentives

42383 GREAT VALLEY SAVINGS BANK 65 -0.112 -0.144 -0.136 0 0 0 -0.136 No 58092 HILLTOP NATIONAL BANK 88 -0.357 0.033 -0.065 0 0 0 -0.065 No 74697 FIRST BANKERS MORTGAGE CORP 269 -0.498 0.158 -0.006 0 -0.025 0 -0.031 No 73609 SECURITY SAVINGS BANK FSB 418 -0.236 0.155 0.058 0 -0.05 -0.025 -0.017 No 73622 BROADVIEW MORTGAGE COMPANY 913 -0.133 0.173 0.097 0 0 -0.05 0.047 No 35326 BANK NA 62 -0.459 0.237 0.063 0 0 0 0.063 No 78715 MARATHON FINANCIAL CORPORATIO 592 -0.233 0.304 0.170 -0.025 -0.025 -0.05 0.070 No 94066 GNMA-WATERS MORTGAGE CORP 952 3.281 -0.747 0.260 0 -0.05 -0.05 0.160 No 51358 CTX MORTGAGE COMPANY 134 5.232 -1.360 0.288 -0.025 -0.05 -0.05 0.163 No 50686 CASSLE AND CASSLE INC 368 -0.157 0.353 0.225 0 0 0 0.225 No 30280 COUNTY MORTGAGE COMPANY INC 584 0.669 0.262 0.364 -0.025 -0.05 -0.05 0.239 No 70698 INTERMOUNTAIN MORTGAGE CO INC 629 -0.324 0.535 0.320 -0.05 0 -0.025 0.245 No 55535 STERLING SAVINGS BANK 99 -0.332 0.443 0.249 0 0 0 0.249 No 15175 INTER-STATE FEDERAL SAVINGS AND 66 0.481 0.235 0.296 0 0 0 0.296 No 38314 RYLAND MORTGAGE CO 499 -0.486 0.576 0.310 0 0 0 0.310 No 14711 IOWA BANKERS MORTGAGE CORP 420 -0.386 0.594 0.349 -0.025 0 0 0.324 No 42362 YORK FEDERAL SAVINGS AND LOAN 208 -0.419 0.629 0.367 0 0 0 0.367 No 49479 AMERICAN HOME MORTGAGE COMPA 496 1.123 0.335 0.532 -0.05 -0.05 -0.05 0.382 No 25002 FIRST INTERSTATE BANK 459 -0.435 0.782 0.478 0 0 0 0.478 No 06141 SAVINGS BANK OF MANCHESTER 361 -0.498 0.889 0.542 -0.05 0 0 0.492 No 21824 HEARTWELL MORTGAGE CORPORATI 835 -0.330 0.990 0.660 -0.05 0 -0.05 0.560 No 75568 FAIRBANKS CAPITAL CORP 548 1.823 0.275 0.662 -0.05 -0.05 0 0.562 No 32052 FIRST FEDERAL SAVINGS BANK NEW 272 -0.445 0.967 0.614 0 -0.05 0 0.564 No 19434 MERCANTILE MORTGAGE CORP 836 -0.400 1.068 0.701 -0.05 -0.05 -0.025 0.576 No 52204 AMERICA FIRST CREDIT UNION 630 -0.325 0.959 0.638 -0.05 0 0 0.588 No 21807 REPUBLIC BANK 508 -0.109 0.958 0.691 -0.05 0 -0.05 0.591 No 08125 NATIONAL TITLE CO 591 1.437 0.316 0.596 0 0 0 0.596 No 09359 LIBERTY MORTGAGE CORP 171 -0.495 1.106 0.706 0 -0.025 0 0.681 No 75553 CIMARRON MORTGAGE COMPANY 664 -0.242 1.182 0.826 -0.025 -0.05 0 0.751 No 15056 CAPITOL FEDERAL SAVINGS ALA 74 0.377 0.920 0.785 0 0 0 0.785 No 10245 HOME MORTGAGE INC 446 0.221 1.106 0.885 0 0 -0.025 0.860 No

Page 8 S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S FY 1999 Actual Loss/ Svcr Servicer Loans Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased ID * Name Scored Rate Score Score Total Score Homeowner Homeowner Area SCORE Incentives

36232 WESTERN CREDIT UNION 139 0.356 1.096 0.911 -0.05 0 0 0.861 No 33535 ELMIRA SAVINGS AND LOAN ASSN 122 -0.494 1.407 0.932 -0.05 0 0 0.882 No 25134 GLACIER BANK 968 -0.498 1.459 0.970 -0.025 -0.05 0 0.895 No 49253 FIRST FEDERAL SAVINGS BANK 332 -0.226 1.276 0.900 0 0 0 0.900 No 29318 HUDSON CITY SAVINGS BANK 146 -0.491 1.415 0.938 0 0 0 0.938 No 72609 JEFFERSON MORTGAGE SERV INC 385 -0.498 1.471 0.979 0 0 0 0.979 No 71845 SHORE FINANCIAL SERVICES INC 452 -0.198 1.454 1.041 0 0 -0.05 0.991 No 54011 CENIT BANK FOR SAVINGS FSB 101 -0.491 1.566 1.052 0 0 -0.05 1.002 No 38334 SWAIN MORTGAGE COMPANY 254 -0.446 1.572 1.068 -0.025 0 -0.025 1.018 No 03221 GUARANTY LOAN AND REAL ESTATE 90 -0.494 1.635 1.103 0 0 -0.05 1.053 No 70099 WENDOVER FINANCIAL SERVICES CO 757 2.879 0.665 1.219 -0.025 -0.05 -0.05 1.094 No 25047 FIRST COMMUNITY BANK 52 -0.222 1.614 1.155 -0.025 0 0 1.130 No 79003 SAVINGS INSTITUTE 62 0.371 1.465 1.191 -0.05 0 0 1.141 No 21681 D AND N BANK FSB 170 -0.425 1.888 1.310 -0.05 -0.025 -0.05 1.185 No 57334 MUTUAL SAVINGS BANK 89 -0.480 1.987 1.370 0 0 0 1.370 No 20213 FAMILY BANK FSB 51 2.765 0.956 1.409 0 0 0 1.409 No 41649 NORTHWEST SAVINGS BANK 114 -0.482 2.167 1.505 -0.05 0 0 1.455 No 27050 PHILADELPHIA FREEDOM CORP 294 -0.489 2.209 1.535 -0.05 -0.025 0 1.460 No 50351 AMARILLO NATIONAL BANK 108 -0.467 2.201 1.534 -0.025 0 0 1.509 No 07058 WILMINGTON SAVINGS FD SOCIETY 146 -0.474 2.215 1.543 0 0 0 1.543 No 34475 GOLDEN NATIONAL MTG BANKING 515 0.670 2.042 1.699 -0.05 -0.05 -0.05 1.549 No 34441 SYRACUSE SECURITIES INC 131 -0.432 2.218 1.555 0 0 0 1.555 No 61049 TERRITORIAL SAVING AND LOAN ASS 59 -0.429 2.381 1.678 0 0 0 1.678 No 25089 STATE BANK OF TOWNSEND 53 -0.243 2.576 1.871 0 0 0 1.871 No 05465 HOMEAMERICAN MORTGAGE CORP 93 -0.472 2.773 1.962 -0.025 -0.05 0 1.887 No 70336 UNITED 248 -0.498 2.832 1.999 0 0 0 1.999 No 09639 TUCKER FEDERAL SAVINGS AND LOA 87 4.880 1.189 2.112 -0.025 -0.025 0 2.062 No 70005 F AND M MORTGAGE SERVICES INC 66 3.256 1.797 2.161 0 -0.025 0 2.136 No 15076 CENTRAL NATIONAL BANK 125 -0.470 3.168 2.258 -0.05 0 0 2.208 No 64476 GN MORTGAGE CORPORATION 80 6.793 2.083 3.260 0 -0.05 -0.05 3.160 No 21794** DMR FINANCIAL SERVICES INC 77 -0.310 -1.428 -1.148 0 -0.025 -0.05 -1.223 No

Page 9 S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S FY 1999 Actual Loss/ Svcr Servicer Loans Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased ID * Name Scored Rate Score Score Total Score Homeowner Homeowner Area SCORE Incentives

29135** SUMMIT BANK 282 -0.436 -1.055 -0.900 -0.025 -0.025 -0.025 -0.975 No 56072** ONE VALLEY BANK NA 720 -0.476 -0.797 -0.717 0 0 0 -0.717 No 19211** ATLANTIC FEDERAL SAVINGS BANK 86 -0.165 0.259 0.153 0 0 0 0.153 No 75252** JUPITER MORTGAGE CORP 57 0.326 0.796 0.678 0 0 0 0.678 No

Subtotal 42,180 loans scored for 115 servicers

Total 6,136,880 loans scored for 265 servicers

* The following servicers have multiple IDs (scores are based on aggregate data) :

MUL1 BANK OF AMERICA NA 13061, 13062, 13063, 13064, 13065, 19382 and 51355 MUL2 CHASE MANHATTAN MORTGAGE 30141, 30284, 37993, 04466, 50592 and 05120 MUL3 FLEET MORTGAGE 32062, 47219 and 57693 MUL4 GMAC MORTGAGE CORP 22900 and 42162 MUL5 HOMESIDE LENDING INC 70864 and 79336 MUL6 WELLS FARGO HOME MORTGAGE 21677, 22995, 29813, 35412, 64192 and 71555 MUL7 CITIMORTGAGE INC 15259 and 24893

** These servicers appear at the bottom of their volume category because each has a "terminated" status in FY2001

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